Im writing a novel about someone who commits car insurance fraud because their insurer values their car at $44000 when they could only really sell ...

I’m writing a novel about someone who commits car insurance fraud because their insurer values their car at $44000 when they could only really sell it for $36,000 in perfect working order which it is NOT, the transmission is on the way out and he’s not a big enough asshole to sell it to some sucker. He is facing intense money trouble and really needs a payday.

What’s the best way for my character to have the car written off? He doesn’t really want to drive into a tree at 100km/h

  1. 3 months ago
    Anonymous

    He could drive it into a river or something

  2. 3 months ago
    Anonymous

    A friend could steal it, or lend someone your phone while they go do X with it. Side quest!

  3. 3 months ago
    Anonymous

    Lmao. You should have your character track a powerful thunderstorm with a weather app. I mean this things gotta be tornado spewin’. Do some research a day or so before, watching the patterns so you can have a really good idea where one will hit. Have him be willing to travel. Park it in the heat of the storm and hopefully some good sized hail will fuck it up. If they ask your character why you were out there, make up a lie about responding to a Craigslist sale or going on a road trip. Not like they can dispute it.

    • 3 months ago
      Anonymous

      Can a car actually be written off from bad enough hail damage? I always thought cost of repairs would be less than the value of a write off check for anything over 15k at least

      • 3 months ago
        Anonymous

        If it’s unibody definitely, if it’s body on frame the damage would have to be severe. If the storms bad enough you should be fine in minecraft

      • 3 months ago
        Anonymous

        repairing severe hail damage would be such a pain in the ass it wouldn't even be worth fixing unless it was some hundred thousand dollar classic

      • 3 months ago
        Anonymous

        Bad hail damage often means reskinning the roof, replacing the trunk hood, trunk and possibly quarters and doors. Thats assuming the glass holds up. It's a death sentence for almost any car.

    • 3 months ago
      Anonymous

      I like the idea of hail damage.

      Also make your character assume that he'll be okay with just a few pictures for an insurance claim. Have him start selling piece for parts to get some extra cash. Like have him sell the driver side door or something and then realize that there is an actual human that will come by the inspect the vehicle for the insurance claim. Then have him attempt to hide the fact that the car is missing a door.

  4. 3 months ago
    Anonymous

    He saw a deer in the road and swerves it into a lake

  5. 3 months ago
    Anonymous

    Let a woman drive it

  6. 3 months ago
    Anonymous

    He should go on a road trip to Baltimore, New Orleans, or South Side Chicago and park it unlocked in a bad neighborhood.

  7. 3 months ago
    greased geese

    >He doesn’t really want to drive into a tree at 100km/h
    heard a story about a nagger who got in debt on a nissan juke like this which turned out to be a used car lot rustball, he hit a tree at 70mph and the insurance payout didnt even cover the hospital bills.

  8. 3 months ago
    Anonymous

    shorting a fuse til it catches fire

  9. 3 months ago
    Anonymous

    Hypothetically your character report a break and entering into your residence. Things that could go missing and reported to home/renter's insurance would be things like laptops, weapons, and most importantly car keys.

    Then your character would be able to wait several weeks and the car could go mysteriously missing several weeks later. Even if the car has a EWS system or something similar, the keys were stolen, so you could assume that the thieves came back and took the car with the keys. Then your character would dump the car in front of a house that is known to be a drughouse or something similar preferably with black tenants. You would do this of course after stripping the interior, putting out cigarettes on the dash, and keying the exterior.

    I've written a similar book.

  10. 3 months ago
    Anonymous

    >What’s the best way for my character to have the car written off?
    gee i dunno, maybe a collision of some sort... maybe a car accident some might say ?

  11. 3 months ago
    z31

    god if this is real this rocks. gonna end up in debt AND uninsurable. just start walking now lol

  12. 3 months ago
    Anonymous

    You(r character) could leave it unattended and vulnerable in a neighbourhood of colour

  13. 3 months ago
    Anonymous

    Christ I can't wait to read this.
    sounds really exciting.
    masturbating as we speak.

  14. 3 months ago
    Anonymous

    He could ask this exact same question on an anonymous message board and get people to unwittingly help him commit insurance fraud.

  15. 3 months ago
    Anonymous

    Hit a deer/elk/moose/caribou or some kind of livestock like an escaped horse or a cow in the road. Bonus points if it's something exotic like a Water Buffalo or a Kangaroo.

  16. 3 months ago
    Anonymous

    Your protagonist could pour gasoline right at the front of the dash where it meets the windshield, then take it on a highway. On the highway he lights it on fire and hopefully his balls are big enough that he can stomach a bit of flames in front of him for a few seconds, pulling over on the shoulder quickly. The gasoline and fire should have spread past the firewall between the cabin and engine bay.
    Fire damage such as this is always a write off.

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